Complete the short quiz to open an RDSP online.
If you qualify, you could receive up to $90,000 in grants.
They're talking about us
Talk to a human. An expert.
An RDSP specialist.
Talk to someone who understands your situation and your finances. Move closer to your goals and experience true independence.
Batiste
Operations support
Batiste supports the team across various operational areas through his versatility and practical mindset. Always available, he steps in effectively regardless of the situation. A car enthusiast, he brings the same rigor and attention to detail from his passion into his work, ensuring files are meticulously organized. His presence adds energy and collaboration, contributing to a smooth and efficient working environment for both the team and clients.
Batiste’s profile
Ludovic
RDSP Advisor
Ludovic combines RDSP expertise with a personalized approach. Living with physical limitations himself, he fully understands the challenges his clients face and guides them with care and efficiency. Passionate about fashion and music, he brings the same creativity, attention to detail, and sensitivity from these worlds into crafting tailored financial solutions. His finesse, pragmatism, and attentive listening make him a trusted advisor, able to meet each client’s unique needs.
Ludovic's profile
Valérie
RDSP Advisor
Valérie supports her clients with expertise in the RDSP. She clarifies financial options and tailors her advice to the specific needs of each family. Passionate about piano since childhood, she brings the same rigor, focus, and sense of rhythm to her work. This attentive and organized approach helps her clients feel guided, supported, and confident at every step, while effectively optimizing their financial resources.
Valérie's profile
Henri-Charles
Operations support
Henri supports the Terry team by ensuring careful follow-up on client files and contributing to the smooth day-to-day operations. Organized and reliable, he pays close attention to detail to deliver efficient and structured service. Outside of work, he is passionate about skateboarding, a discipline that reflects his perseverance and sense of balance.
Henri-Charles's profile
Frédérique
Advisor
Frédérique stands out for her expertise and strong sense of service. Passionate about horseback riding, she brings the same patience and discipline to her work while remaining attentive to her clients’ needs. Her consistency, kindness, and professionalism make her a reliable and trustworthy advisor, able to guide each person effectively and offer tailored solutions.
Frédérique's profile
Estelle
Advisor
Estelle supports her clients with care and authenticity. Organized and responsive, she manages priorities while staying focused on each case. She enjoys tennis and brings the same strategy, endurance, and precision to guide her clients step by step. Her thoughtful, people-first approach turns complex processes into clear, reassuring, and effective support.
Estelle's profile
Batiste
Operations support
Batiste supports the team across various operational areas through his versatility and practical mindset. Always available, he steps in effectively regardless of the situation. A car enthusiast, he brings the same rigor and attention to detail from his passion into his work, ensuring files are meticulously organized. His presence adds energy and collaboration, contributing to a smooth and efficient working environment for both the team and clients.
Batiste’s profile
Ludovic
RDSP Advisor
Ludovic combines RDSP expertise with a personalized approach. Living with physical limitations himself, he fully understands the challenges his clients face and guides them with care and efficiency. Passionate about fashion and music, he brings the same creativity, attention to detail, and sensitivity from these worlds into crafting tailored financial solutions. His finesse, pragmatism, and attentive listening make him a trusted advisor, able to meet each client’s unique needs.
Ludovic's profile
Valérie
RDSP Advisor
Valérie supports her clients with expertise in the RDSP. She clarifies financial options and tailors her advice to the specific needs of each family. Passionate about piano since childhood, she brings the same rigor, focus, and sense of rhythm to her work. This attentive and organized approach helps her clients feel guided, supported, and confident at every step, while effectively optimizing their financial resources.
Valérie's profile
Henri-Charles
Operations support
Henri supports the Terry team by ensuring careful follow-up on client files and contributing to the smooth day-to-day operations. Organized and reliable, he pays close attention to detail to deliver efficient and structured service. Outside of work, he is passionate about skateboarding, a discipline that reflects his perseverance and sense of balance.
Henri-Charles's profile
Frédérique
Advisor
Frédérique stands out for her expertise and strong sense of service. Passionate about horseback riding, she brings the same patience and discipline to her work while remaining attentive to her clients’ needs. Her consistency, kindness, and professionalism make her a reliable and trustworthy advisor, able to guide each person effectively and offer tailored solutions.
Frédérique's profile
Estelle
Advisor
Estelle supports her clients with care and authenticity. Organized and responsive, she manages priorities while staying focused on each case. She enjoys tennis and brings the same strategy, endurance, and precision to guide her clients step by step. Her thoughtful, people-first approach turns complex processes into clear, reassuring, and effective support.
Estelle's profile
What families we support are saying
1,300+ Google reviews with a perfect 5-star rating.
$50,000,000+ in grants
We’ve helped thousands of families access grants through the RDSP.
RDSP.ca’s mission is meaningful: our dedicated team is committed to improving the lives of individuals with disabilities by providing enriching and accessible support.Nous avons aidé des milliers de familles à obtenir des subventions grâce à un RDSP.
La mission de RDSP.ca est importante : notre équipe de personnes remarquables se consacre à transformer la vie des personnes limitées ou handicapées en leur offrant des expériences enrichissantes et accessibles.
FIRST STEP
Check my Eligibility
- Check your eligibility for the RDSP with our online questionnaire.
- Find out if you’re eligible for government grants and bonds to maximize your savings.
Support
Speak with a Qualified Advisor
- All our representatives are certified by the Autorité des marchés financiers (AMF) to serve you effectively.
- They will guide you step by step to optimize your eligibility and maximize the benefits of the RDSP, while answering your questions with personalized support.
THRIVE
Save & Receive Grants
- Contribute annually to your RDSP to maximize government grants.
- Every dollar you invest can bring you closer to the maximum grants available, helping you build long-term financial security for yourself or your loved ones.
Your goals are also ours
We’ll guide and support you through every financial moment and life milestone.
Manage your money better
Eliminate financial stress
Government benefits
Plan for a family
Invest smarter
Go on your dream vacation
Financial independence
Overcome debt
Bénéficiez de l'aide d'une personne handicapée qui vous comprend. Ouvrir un REEI vous permettra d'atteindre l’indépendance financière.
THRIVE
Get up to $90,000 in grants
Speak with someone who understands your needs and your situation. Maximize the benefits available to you.
Our mission
Transforming the lives of people with disabilities by providing them with enriching experiences.
Our office
Here is our office in Montreal.
FAQs
Everything you need to know about the Registered Disability Savings Plan
What is the RDSP?
The Registered Disability Savings Plan (RDSP) was introduced by the Government of Canada to help families save for the long-term financial security of individuals living with disabilities who are eligible for the Disability Tax Credit (DTC).
What are the eligibility criteria for the RDSP?
1. Be eligible for the Disability Tax Credit (DTC);
2. Be between ages 0 and 49 to receive grants and bonds;
3. Have a valid Social Insurance Number (SIN);
4. Be a resident of Canada.
What are the eligibility criteria for the Disability Tax Credit (DTC)?
A person is eligible for the Disability Tax Credit (DTC) for a given year if they have a severe and prolonged impairment in physical or mental functions. To qualify, the T2201 form – Disability Tax Credit Certificate – must be completed by a qualified practitioner and submitted to the Canada Revenue Agency for approval.
Individuals who wish to open a Registered Disability Savings Plan (RDSP) but have not yet applied for the DTC must first be approved for the DTC before opening an RDSP.
How do you open a Registered Disability Savings Plan (RDSP)?
Fill out our online form to start the process of opening your RDSP.
Afterward, one of our representatives will contact you to answer your questions and complete the setup of your Registered Disability Savings Plan.
How do contributions work?
Once the RDSP is established, you can deposit money into the account at any time.
The lifetime contribution limit for a beneficiary is $200,000. There is no annual contribution limit, and the full $200,000 can be contributed in a single year.
Contributions are not tax-deductible, but investment growth is tax-deferred as long as the funds remain in the plan.
Contributions must stop when the beneficiary turns 59. However, contributions can be made until the end of the year in which the beneficiary turns 59.
How can I contribute to a Registered Disability Savings Plan (RDSP)?
Once your Registered Disability Savings Plan (RDSP) has been set up with a rdsp.ca advisor, you can contact us directly to make contributions to the account.
You can also set up pre-authorized payments to automatically contribute a fixed amount on a recurring basis.
What if I don’t have money to invest in an RDSP?
You may be eligible for the Canada Disability Savings Bonds. These bonds are deposited into your RDSP without requiring any personal contributions. The government can contribute up to $10,000 upon opening the account.
What are the two government assistance grants?
In addition to personal savings, the federal government offers the Canada Disability Savings Grant (CDSG) and the Canada Disability Savings Bond (CDSB).
An RDSP is eligible for both the CDSG and CDSB until December 31 of the year in which the beneficiary turns 49.
What is the Canada Disability Savings Grant (CDSG)?
The Canada Disability Savings Grant (CDSG) consists of matching contributions that the government deposits into the beneficiary’s RDSP to help grow their savings.
If the annual net family income is under $100,000, the government contributes 300% on the first $500 and 200% on the next $1,000. This means you can contribute $1,500 and receive $3,500 from the government.
If the income is higher, the government contributes 100% on contributions, up to $1,000 per year.
For a minor beneficiary, the net family income is based on the parents’ income. Once the beneficiary reaches adulthood, it is based on the beneficiary’s income and that of their spouse, if applicable. The income thresholds are indexed annually to inflation.
Speak with one of our experts to learn more about the Canada Disability Savings Grant (CDSG).
.avif)
.avif)
What is the grant limit?
The total amount of CDSGs is capped at $70,000 per beneficiary and they are granted until the end of the year in which the beneficiary turns 49, as long as they remain a resident of Canada. For the CDSB, the maximum eligible amount is $20,000.
Since there is no annual contribution limit for a Registered Disability Savings Plan, you can contribute up to $200,000 in a single year. However, if you contribute the full amount at once, you forgo the CDSG in future years.
People who plan to contribute to an RDSP should consult a reei.ca specialist to determine whether it is more advantageous to make a lump-sum contribution or periodic contributions. Depending on expected returns, the beneficiary’s age, and anticipated financial needs, it may be preferable to make smaller annual contributions. A large one-time contribution allows for a longer period of tax-sheltered growth, while spreading contributions over several years maximizes the CDSG ($70,000).
What happens if the beneficiary dies or is no longer eligible due to disability?
Upon the death of the RDSP beneficiary, the plan must be closed no later than December 31 of the following year. Any grants and bonds paid into the plan in the preceding 10 years must be repaid to the government. Investment growth, grants, and bonds are taxable in the hands of the beneficiary’s estate, while the original contributions are tax-free.
If the beneficiary is no longer eligible for the Disability Tax Credit (DTC), the grants and bonds remain in the account. The RDSP stays open, but no new contributions can be made, and the account is no longer eligible for grants, bonds, or the carry-forward of unused grant and bond entitlements.
What are the fees?
We’re proud to offer personalized expert service at the same cost as traditional banking. There are no additional fees when opening your account with one of our RDSP specialists compared to your bank.
